A fairy-tale, destination wedding. An intimate elopement. Your own personal Glastonbury...No two dream weddings are the same – but they are equally precious and worthy of protection. Wedding Insurance provides all-important peace of mind, so take a little bit of pressure off the most important day of your life and confine the drama to negotiating the seating plan!
We’ll make no bones about it – planning a wedding can be expensive and “essential” costs are liable to stack up if you don’t take a firm stance on your budget. Because of this, you may be tempted to leave Wedding Insurance off your to-do list altogether. However, with coverage for various unforeseen circumstances such as illness or accidents, Wedding Insurance provides you with protection from financial setbacks both on the big day and during the preparations. With the average wedding costing £20,000, this represents a significant financial outlay for any couple starting their lives together. The smart choice is to protect that investment and know that your provider will step in to mitigate financial losses, covering both the ceremony and the reception, should anything go awry in the leadup to your journey down the aisle.
Coverage for every couple
In a Cost-of-Living Crisis, couples are increasingly working towards cost-effective ways to mark their special day, with many opting for an intimate, cosy setting. Some savvy brides and grooms are shunning the traditional hoopla of a hired venue and even choosing to get hitched from home. Taking advantage of a beautiful, blooming backyard is a charming and cost-effective proposition, though it might require augmenting your home insurance and adding extra coverage. Whatever the scale of your event or venue, having some level of insurance is prudent: our recommendation is to opt for at least basic coverage.
Regardless of the size of your wedding’s budget, consulting with a specialist is important to ensure you're adequately protected in case of unforeseen circumstances. The team at Cherry Godfrey is thrilled to provide a friendly, no-obligation consultation to discuss your options and hear all about your plans for the big day!
When is the right time to get Wedding Insurance?
To feather the nest and build up the wedding war chest, many couples are embarking on lengthy engagements so that they can devote more time to planning. Even if you are looking at a longer engagement, you can secure your policy well in advance – up to two years before the wedding. It's wise to arrange coverage before making any deposits related to the wedding, although your policy will cover any deposits already paid.
Typically, coverage ends 24 hours after your wedding or reception (whichever is later), but specifics can vary, so do review your policy for full details.
What should I expect my Wedding Insurance to cover?
You should expect your policy to cover you for both the ceremony and your reception. Moreover, your coverage should extend to most worldwide destinations (excluding the USA and Canada).
Standard coverage includes protection against cancellation or rearrangement of the wedding or reception due to unavoidable circumstances such as illness or venue damage. Your policy should also protect against the financial failure of wedding service providers.
In addition, standard coverage should include protection for tangible elements of your wedding, such as outfits, gifts, rings, flowers, transportation, photography, as well as public liability for you and your intended.
Some additional options it is advisable to consider supplementing your policy with include increased public liability, marquee and event equipment coverage, or coronavirus coverage.
Speaking of which...
Coronavirus Cover
Given the pandemic's impact on major events, including weddings, it's prudent to consider coronavirus coverage. This additional cover protects against cancellation or rearrangement due to coronavirus-related issues, provided certain conditions are met, including vaccination status and official test results.
Planning your dream wedding? Reach out to Cherry Godfrey for expert guidance. We're here to ensure your special day unfolds seamlessly, allowing you to enjoy every moment! Submit a Call-back Request today to hear more about how we can protect your special day.
